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Finansal Okuryazarlık ile Tasarruf Davranışları İlişkisi Üzerine Ampirik Bir Çalışma

Year 2023, Volume: 7 Issue: 3, 1081 - 1103, 29.09.2023

İsmail Fatih Ceyhan Sema Tosun

https://doi.org/10.29023/alanyaakademik.1209199
Cited By: 1

Abstract

Finansal bilgi, tutum, davranışlar ve sosyo-demografik niteliklerin, kişilerin tasarruf kararlarında ne düzeyde etkisinin olduğunu anlamak ve bu niteliklerin birbirleriyle olan ilişkilerini test etmek amacıyla yapılan bu araştırmada, Bartın ilinde ikamet etmekte olan kamu ve özel sektörde çalışan toplamda 476 kişiye anket uygulanmıştır. Çalışmanın sonucuna göre, finansal okuryazarlık düzeyi ile katılımcıların çalıştıkları kurum tipi, hane halkı geliri, kredi kartı kullanma durumu, yaş, eğitim düzeyi ve aylık gelirleri arasında anlamlı bir ilişki bulunmuştur. Ayrıca, tasarruf yapma durumu ile hane halkı gelir düzeyi arasında anlamlı bir ilişki tespit edilmiştir. Ek olarak, tasarruf davranışlarının yaşa, aylık gelire, medeni duruma, finansal gelişmeleri takip etme sıklığına ve finansal okuryazarlık düzeyine göre istatistiksel olarak anlamlı bir farklılık gösterdiği sonuçlarına ulaşılmıştır.

Keywords

Bartın Çalışanlar Finansal Bilgi Finansal Okuryazarlık Tasarruf Davranışı.

References

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An Empirical Study on Relation between Financial Literacy and Saving Behaviors

Year 2023, Volume: 7 Issue: 3, 1081 - 1103, 29.09.2023

İsmail Fatih Ceyhan Sema Tosun

https://doi.org/10.29023/alanyaakademik.1209199
Cited By: 1

Abstract

In this research, which was carried out to understand the effect of financial knowledge, attitudes, behaviors, and socio-demographic characteristics on people's savings decisions and to test the relations of these characteristics with each other, 476 people working in the public and private sectors residing in Bartın province. According to the results of the study, a significant relationship was found between the level of financial literacy and the type of institution where the participants work, household income, credit card usage status, age, education level and monthly income. Furthermore, a significant relationship was found between savings behaviour and household income level. In an additional finding, it has been concluded that saving behaviours show a statistically significant difference according to age, monthly income, marital status, the frequency of following the financial developments and the level of financial literacy.

Keywords

Employees Financial Information Financial Literacy The Behavior of Saving Bartın

References

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  • AKBEN S., E., & ALTIOK Y., A. (2014). “Financial Literacy among Turkish College Students: The Role of Formal Education, Learning Approaches, and Parental Teaching. Psychological Reports: Employment”, Psychology & Marketing, 115(2): 351-371.
  • ALMENBERG, J., & SÄVE-SÖDERBERGH, J. (2011). “Financial Literacy and retirement Planning in Sweden”, Journal of Pensioneconomics & Finance, 10(4): 585-596.
  • ALTUNIŞIK, R., COŞKUN, R., BAYRAKTAROĞLU, S., & YILDIRIM, E. (2012). Sosyal Bilimlerde Araştırma Yöntemleri SPSS Uygulamaları, Sakarya Kitabevi, Sakarya.
  • ANSARI, Y., ALBARRAK, M. S., SHERFUDEEN, N., & AMAN, A. (2023). “Examining the relationship between financial literacy and demographic factors and the overconfidence of saudi investors”. Finance Research Letters, 52 doi:10.1016/j.frl.2022.103582
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  • BABIARZ, P., & ROBB, C. A. (2014). “Financial Literacy and Emergency Saving”, Journal of Family and Economic Issues, 35: 40-50.
  • BARMAKI, N. (2015). Üniversitesi Öğrencilerinin Finansal Okuryazarlık Düzeylerini Belirlemeye Yönelik Bir Araştırma: Hacettepe Üniversitesi Örneği. Yayınlanmamış Doktora Tezi, Hacettepe Üniversitesi, Ankara.
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  • BONGINI, P., & CUCINELLI, D. (2019). “University Students and Retirement Planning: Never Too Early”, International Journal of Bank Marketing 37(3): 775-797.
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  • BÖHM, P., BÖHMOVÁ, G., GAZDÍKOVÁ, J., & ŠİMKOVÁ, V. (2023). “Determinants of financial literacy: Analysis of the impact of family and socioeconomic variables on undergraduate students in the slovak republic”. Journal of Risk and Financial Management, 16(4). https://doi.org/10.3390/jrfm16040252.
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  • CHEN, H., & VOLPE, R. (2002). “Gender Differences in Personal Financail Literacy Among College Students”, Financial Services Review, 11: 289-307.
  • CUPÁK, A., KOLEV, G., & BROKEŠOVÁ, Z. (2019). “Financial Literacy and Voluntary Savings for Retirement: Novel Causal Evidence”, The European Journal of Finance 25(16): 1606-1625.
  • ÇEBİ KARASLAN, K. (2020). Hanehalkı Tasaruf Tercihlerinin Kesikli Tercih Modelleriyle İncelenmesi. Yayınlanmamış Doktora Tezi, Atatürk Üniversitesi, Erzurum.
  • ÇOLAK, Ö. F., & ÖZTÜRKLER, H. (2012). “Tasarrufun Belirleyicileri: Küresel Tasarruf Eğiliminde Değişim ve Türkiye’ de Hanehalkı Tasarruf Eğiliminin Analizi”, Bankacılar Dergisi, (82): 3-44.
  • DAĞDELEN, T. (2017). Finansal Okuryazarlık Düzeyinin Belirlenmesi ve Aydın İlindeki Serbest Muhasebeci Mali Müşavirler Üzerine Bir Uygulama, Yayınlanmamış Yüksek Lisans Tezi. Adnan Menderes Üniversitesi, Aydın.
  • DE CECCO, S., & ESTACHE, A. (2016). “Is the Belgian Youth Ready to Save for Retirement Under a Defined Contribution Pension System?”, Reflets et Perspectives de la Vie Économique, IV(3): 99-118.
  • EITEL, S., & MARTIN, J. (2009). “First-Generation Female College Students' Financial Literacy: Real and Perceived Barriers to Degree Completion”, College Student Journal, 43(2): 616-630.
  • ERGENEKON, S. (1996). Tasarruf Eğilimini Etkileyen Sosyolojik Faktörler. Yayınlanmamış Doktora Tezi, İstanbul Üniversitesi, İstanbul.
  • FISHER, P. (2010). “Gender Differences in Personal Saving Behaviors”, Journal of Financial Counseling and Planning, 21(1): 13-24.
  • GÜLER, E., & TUNAHAN, H. (2017). “Finansal Okuryazarlık: Hanehalkı Üzerine Bir Araştırma”. İşletme Bilimi Dergisi, 5 (3): 79-104 . DOI: 10.22139/jobs.323261.
  • GÜNGÖRMEZ, E., & ALKIŞ, H. (2015). “Örgütsel Adalet Algısının Performans Üzerindeki Etkisi: Adıyaman İli Örneği”, Adıyaman Üniversitesi Sosyal Bilimler Enstitüsü Dergisi, (21): 937-967.
  • HARRISON, N., & CHUDRY, F. (2011). “Overactive, Overwrought or Overdrawn? The Role of Personality in Undergraduate Financial Knowledge, Decision-Making and Debt”, Journal of Further and Higher Education, 35(2): 149-182.
  • HECKMAN, S. J., & GRABLE, J. E. (2011). “Testing the Role of Parental Debt Attitudes, Student Income, Dependency Status, and Financial Knowledge Have in Shaping Financial Self-Efficacy among College Students”, College Student Journal, 45(1): 51.
  • HENAGER-GREENE, R., & CUDE, B. J. (2016). “Financial Literacy and Long- and Short-Term Financial Behavior in Different Age Groups”, Journal of Financial Counseling and Planning, 27(1): 3-19.
  • HUSTON, S. J. (2010). “Measuring Financial Literacy”, Journal of Consumer Affairs, 44(2): 296-316.
  • IRAM, T., BILAL, A. R., & AHMAD, Z. (2023). “Investigating the mediating role of financial literacy on the relationship between women entrepreneurs’ behavioral biases and investment decision making”. Gadjah Mada International Journal of Business, 25(1), 93-118. doi:10.22146/gamaijb.65457
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  • LOAYZA, N., K., SCHMIDT-HEBBEL, K., & SERVEN, L. (2000). “Saving in Developing Countries: An Overview”, The World Bank Economic Review, 14(3): 393-414
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  • LUKSANDER, A., BERES, D., HUZDIK, K., & NEMETH, E. (2014). “Analysis of the Factors that Influence the Financial Literacy of Young People Studying in Higher Education”, Public Finance Quarterly, 2: 220-241.
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There are 66 citations in total.

Details

Primary Language Turkish
Subjects Finance
Journal Section Makaleler
Authors

İsmail Fatih Ceyhan 0000-0002-4314-7374

Sema Tosun 0000-0002-6828-9467

Publication Date September 29, 2023
Acceptance Date July 18, 2023
Published in Issue Year 2023 Volume: 7 Issue: 3

Cite

APA Ceyhan, İ. F., & Tosun, S. (2023). Finansal Okuryazarlık ile Tasarruf Davranışları İlişkisi Üzerine Ampirik Bir Çalışma. Alanya Akademik Bakış, 7(3), 1081-1103. https://doi.org/10.29023/alanyaakademik.1209199

Cited By

SOSYAL MEDYA KULLANIMININ FİNANSAL OKURYAZARLIĞA ETKİSİ: SİVAS İLİ ÖRNEĞİ
Pamukkale University Journal of Social Sciences Institute
https://doi.org/10.30794/pausbed.1384438